topic Re: Community feedback about Experian's decision to discontinue offering FICO scores on myFICO in Experian has stopped offering FICO scores to U.S. consumershttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/431147#M1200
Aw..that's my highest score and now I won't even be able to stalk it <img class="emoticon emoticon-smileysurprised" id="smileysurprised" src="http://fico.i.lithium.com/i/smilies/16x16_smiley-surprised.gif" alt=":smileysurprised:" title="Smiley Surprised" />Thu, 05 Feb 2009 02:55:39 GMTrmily2009-02-05T02:55:39ZCommunity feedback about Experian's decision to discontinue offering FICO scores on myFICOhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430127#M1125
<P>FICO Forums Members:</P><P>&nbsp;</P><P>Please share your thoughts about Experian's decision to discontinue offering Experian-based FICO scores to consumers on the myFICO web site.</P><P><BR />As always, we value your input and appreciate your continued support!!!</P><DIV class="message-edit-history">--The myFICO Team <BR /></DIV><DIV class="message-edit-history">&nbsp;For more information, please read our <A href="http://ficoforums.myfico.com/fico/board/message?board.id=special_announcement&amp;thread.id=8&amp;jump=true" target="_blank">FAQ</A>.<BR /></DIV><BR /><BR /><BR /><BR /><DIV class="message-edit-history"><SPAN class="edit-author">Message Edited by Barry on </SPAN><SPAN class="local-date"> 02-05-2009</SPAN><SPAN class="local-time"> 08:30 AM</SPAN></DIV>Thu, 05 Feb 2009 16:30:45 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430127#M1125Barry2009-02-05T16:30:45ZRe: Feedback from the FICO Forums communityhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430759#M1126
<P>I will be very polite and understated.&nbsp; I am annoyed and irrtated.</P><P>&nbsp;</P><P>I would be less irritated if I could buy a FICO score directly from EX.</P><P>&nbsp;</P><P>However, I understand that I am NOT an EX customer, the lenders are EX's customers.&nbsp; Hence how I, or millions of other consumers, feel is of no interest to EX.&nbsp; I fully appreciate that not being an EX customer, I am powerless to alter their behavior.</P><P>&nbsp;</P><P>I also understand the difference between immoral and illegal</P><P>&nbsp;</P><P>&nbsp;</P>Wed, 04 Feb 2009 19:40:20 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430759#M1126MidnightVoice2009-02-04T19:40:20ZRe: Feedback from the FICO Forums communityhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430767#M1127
I am disappointed in Experian's decision to stop letting myFICO offer their score to consumers. &nbsp;Now there is one less tool consumers have to help monitor/improve their credit. &nbsp;It was very nice to be able to get all three scores and know that you were getting FICOs not FAKOs. &nbsp;I'm glad we are still able to get TU and EQ.<DIV class="message-edit-history"><SPAN class="edit-author">Message Edited by jedijennifer on </SPAN><SPAN class="local-date">02-04-2009</SPAN><SPAN class="local-time"> 11:47 AM</SPAN></DIV>Wed, 04 Feb 2009 19:47:20 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430767#M1127jedijennifer2009-02-04T19:47:20ZRe: Feedback from the FICO Forums communityhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430774#M1128
Just wondering....How am I suppose to get my score from experian now?&nbsp; Can I still purchase my score before February 13th?Wed, 04 Feb 2009 19:53:36 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430774#M1128nikkij65772009-02-04T19:53:36ZRe: Feedback from the FICO Forums communityhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430775#M1129
I'm kinda new to the Forum, so 4 give me if I posted this twice.&nbsp; But I was just wondering....How am I suppose to get my score from experian now?&nbsp; Can I still purchase my score before February 13th?Wed, 04 Feb 2009 19:54:35 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430775#M1129nikkij65772009-02-04T19:54:35ZRe: Feedback from the FICO Forums communityhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430781#M1130
<P>Welcome to the forums!</P><P>&nbsp;</P><P>You can still purchase your EX FICO score at this web site through Feb 13th.</P>Wed, 04 Feb 2009 19:57:33 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430781#M1130fused2009-02-04T19:57:33ZRe: Feedback from the FICO Forums communityhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430805#M1131
Moved to Understanding FICO Scoring.Wed, 04 Feb 2009 20:03:22 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430805#M1131Scamp2009-02-04T20:03:22ZRe: Feedback from the FICO Forums communityhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430798#M1132
<P>Obviously, it's very disappointing and discouraging. The conspiracy theorist/paranoid side of me wants to think that this is EX giving into pressure from their lender customers, who, without an informed public with any real visibility into their own credit scoring, can approve,&nbsp;reject and set rates&nbsp;with little or no explanation to the applicant other than the standard "due to information in your credit report" bit.</P><P>&nbsp;</P><P>I just really hope that this is not the start of a trend where all three reporting agencies end up going this route in the long run (or that more and more lenders end up using EX scores because they are not transparent to applicants). Ultimately, we have to take it upon ourselves to do all the things we discuss and learn on these forums to improve and maintain our scores, but with every monitoring tool that is taken away from the consumer,&nbsp;we have to put out&nbsp;more effort to make sure that our creditors are not mis-reporting on us&nbsp;and lenders are not exploiting us.</P>Wed, 04 Feb 2009 20:07:27 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430798#M1132hawkeye332009-02-04T20:07:27ZRe: Feedback from the FICO Forums communityhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430849#M1133
<P>This just goes to show that the CRAs and EX more specifically are not consumer oriented companies. Like any other business they cater to who they get their money from: their suscribers (lenders, CAs, etc. anyone who reports accounts to them).</P><P>&nbsp;</P><P>These companies could care less about what is on your report and whether it is correct or not, as exampled by their joke of a dispute/account verification process. The only reason they <EM>somewhat</EM> attempt to correct errors and the such is because they are legally obligated to have correct information in their files (another huge joke.)</P><P>&nbsp;</P><P>I'm sure you can sense my disgust, and so I will stop now.</P>Wed, 04 Feb 2009 20:55:21 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430849#M1133ralbusta2009-02-04T20:55:21ZRe: Feedback from the FICO Forums communityhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430856#M1134
<P>Goes to show where the consumers stand. [Insert a ton of profanity here]</P>Wed, 04 Feb 2009 21:00:29 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430856#M1134Sdenisew2009-02-04T21:00:29ZRe: Community feedback about Experian's decision to discontinue offering FICO scores on myFICOhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430867#M1135
This is a truly disappointing decision.&nbsp; Consumers are paying for this service and it increases transparancy.&nbsp; Seems to be a competitive move against myFico.&nbsp; Hopefully the two companies can sort their issues and provide consumers more choices to track their credit in an open manner.Wed, 04 Feb 2009 21:10:57 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430867#M1135Perplexed2009-02-04T21:10:57ZRe: Community feedback about Experian's decision to discontinue offering FICO scores on myFICOhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430869#M1136
<P>MyFico - What laws govern this area of a CRA's behavior or possible obligation if any to make information they collect/aggregate about us - to us at all?</P><P>&nbsp;</P><P>Consumers should take action on this with their representitives, it's another instance of lobbyists having written the rules in ways that allow the CRA's to behave this way.</P><P>&nbsp;</P><P>&nbsp;</P>Wed, 04 Feb 2009 21:12:05 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430869#M1136pmoshay2009-02-04T21:12:05ZRe: Community feedback about Experian's decision to discontinue offering FICO scores on myFICOhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430876#M1137
It said in the FAQ about this issue that some consumers receive their Experian FICO scores on their bank statements each month.&nbsp; Which banks offer this?Wed, 04 Feb 2009 21:19:39 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430876#M1137urgent_help_needed2009-02-04T21:19:39ZRe: Community feedback about Experian's decision to discontinue offering FICO scores on myFICOhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430878#M1138
<BLOCKQUOTE><HR />urgent_help_needed wrote: <BR />It said in the FAQ about this issue that some consumers receive their Experian FICO scores on their bank statements each month.&nbsp; Which banks offer this? <HR /></BLOCKQUOTE><P>&nbsp;</P>The only one I know of is PSECU in PA.Wed, 04 Feb 2009 21:20:36 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430878#M1138llecs2009-02-04T21:20:36ZRe: Feedback from the FICO Forums communityhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430880#M1139
<BLOCKQUOTE><HR />ralbusta wrote:<BR /><P>This just goes to show that the CRAs and EX more specifically are not consumer oriented companies. Like any other business they cater to who they get their money from: their suscribers (lenders, CAs, etc. anyone who reports accounts to them)</P><HR /></BLOCKQUOTE><BLOCKQUOTE>&nbsp;This also means that Fair Isaac - who is selling the ability to generate FICO scores to EX in the first place - is giving in to the EX "request" to not provide that information.</BLOCKQUOTE><BLOCKQUOTE>By extension, this means Fair Isaac is not a consumer oriented company, as well, in my opinion. They apparently are more worried about losing their dominance in the credit score industry, and the money that gives them, than they are to standing firm against such a consumer-unfriendly "request".</BLOCKQUOTE><BLOCKQUOTE>&nbsp;Now excuse me while I go get some mouthwash - I have a very bad taste in my mouth.&nbsp;</BLOCKQUOTE><BLOCKQUOTE>&nbsp;</BLOCKQUOTE><P>&nbsp;</P>Wed, 04 Feb 2009 21:28:35 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430880#M1139porkozone2009-02-04T21:28:35ZRe: Community feedback about Experian's decision to discontinue offering FICO scores on myFICOhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430882#M1140
<P>Creditors are getting stingy.</P><P>But why CRA?</P><P>It's not like we're getting&nbsp;the&nbsp;reports&nbsp;for free.</P><P>&nbsp;</P>Wed, 04 Feb 2009 21:29:52 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430882#M1140Solarjuju2009-02-04T21:29:52ZRe: Community feedback about Experian's decision to discontinue offering FICO scores on myFICOhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430886#M1141
i want a refund of my fees paid in advance, for all time remaining after Feb 13, 2009.&nbsp; please send it to me by crediting the card i used to pay my annual fee.&nbsp; roger hawkesWed, 04 Feb 2009 21:32:31 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430886#M1141rogerhawkes2009-02-04T21:32:31ZRe: Community feedback about Experian's decision to discontinue offering FICO scores on myFICOhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430887#M1142
<P>I honestly don't know why Experian would do such a thing. myFico is offering a service to the average consumers to checking all three scores, and I am sure the myFico was giving dues to each of the 3 companies for providing this information. I know if I was a credit reporting company, and I was getting money from a 3rd party provider, I would continue to allow myFico do what they are doing. (Basically free income).</P><P>&nbsp;</P><P>Now what, will myFico go under because users will be looking for a place that will provide all 3 scores in one handy location. Seems odd to me to go to a different site to just get my Experian number, which I do not want to do, because myFico (even through only using for 2 years now) has helped me understand my credit scores and help clear my credit history of incorrect information.</P><P>&nbsp;</P><P>I can not leave myFICO, it would be the wrong thing to do, they provide a great service. But if I am unable to get all 3 scores in one location, I might have to move, but if Experian is pulling from all other services, then I will remain a loyal customer of myFICO.</P><P>&nbsp;</P><P>Josh</P>Wed, 04 Feb 2009 21:32:41 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430887#M1142joshs2009-02-04T21:32:41ZRe: Community feedback about Experian's decision to discontinue offering FICO scores on myFICOhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430893#M1143
<BLOCKQUOTE><HR />joshs wrote:<BR /><P>. But if I am unable to get all 3 scores in one location, I might have to move, but if Experian is pulling from all other services, then I will remain a loyal customer of myFICO.</P><P>&nbsp;</P><HR /></BLOCKQUOTE><P>I don't think there is anywhere else you can actually get all 3 true FICO scores!</P>Wed, 04 Feb 2009 21:40:37 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430893#M1143MidnightVoice2009-02-04T21:40:37ZRe: Community feedback about Experian's decision to discontinue offering FICO scores on myFICOhttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430895#M1144
<P>Rats,</P><P>&nbsp;</P><P>All I have is a buch of curse words!</P><P>&nbsp;</P><P>Our credit is all we have to protect us from predatory lending practices and now this.</P><P>&nbsp;</P><P>Why?</P>Wed, 04 Feb 2009 21:42:06 GMThttp://ficoforums.myfico.com/t5/Experian-has-stopped-offering/Community-feedback-about-Experian-s-decision-to-discontinue/m-p/430895#M1144chemicalman2009-02-04T21:42:06Z